© 2024 Virginia Association of Community Banks | The newsLINK Group, LLC. All rights reserved. The Community Banker is published four times each year by The newsLINK Group, LLC for the Virginia Association of Community Banks and is the official publication for this association. The information contained in this publication is intended to provide general information for review and consideration. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your specific circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the Virginia Association of Community Banks, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. The Community Banker is a collective work, and as such, some articles are submitted by authors who are independent of the Virginia Association of Community Banks. While The Community Banker encourages a first-print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. CONTENTS 8 16 VACB Board of Directors CHAIR Joseph R. Witt, CPA The Old Point National Bank Hampton CHAIR-ELECT Tara Y. Harrison Virginia National Bank Charlottesville VICE CHAIR Lisa E. Kilgour MainStreet Bank Fairfax ICBA VIRGINIA DELEGATE Blake M. Edwards Jr. Skyline National Bank Independence PRESIDENT & CEO Steven C. Yeakel, CAE VACB Richmond VACB DIRECTORS CLASS OF 2024 Chris R. Snodgrass The Bank of Marion Marion Blake M. Edwards Jr. Skyline National Bank Independence CLASS OF 2025 Dabney T.P. Gilliam Jr. The Bank of Charlotte County Phoenix CLASS OF 2026 LeAnne R. Emert Benchmark Community Bank Kenbridge Cetric A. Gayles Citizens Bank & Trust Blackstone Aaron Green Pendleton Community Bank Harrisonburg James E. Hendricks Village Bank Midlothian Robert J. Hobbs CornerStone Bank Lexington Paul M. Mylum National Bank Roanoke Thomas L. Rasey Jr. The Farmers Bank of Appomattox Appomattox Matthew H. Steilberg C&F Bank Toano VACB STAFF Katharine C. Garner, CMP Vice President Education & Communications Kelli C. Mallinger Member Services Administrator Chairman’s Message 4 Execution of Our Value Proposition By Joe Witt, CPA, Chair, VACB President’s Column 6 A New Wave of Success To Build On! By Steven C. Yeakel, CAE, President and CEO, VACB 8 2024 VACB — Williams Mullen 24th Annual Bankers’ Cup Tournament 12 Lessons Learned Over 30 Years By Alan J. Kaplan, Founder and CEO, Kaplan Partners 14 To All CRA Officers: Bless Your Heart! By Steffani Jenkins, CRA Liaison, ICBA CRA Solutions 16 Strengthening Your Bank’s Resilience The Critical Role of Portfolio Management and Loan Review Processes By Rachael Carter, SVP of Client Success, Teslar Software 19 Save the Date VACB 47th Annual Convention & Trade Show 3 The CommunityBanker
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